REAL CONSULTANCE
ActiveREAL CONSULTANCE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €377k and a net result of €-18k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-24
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 36.72 against 25.06 in 2024), and 2.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
97.3%
Return on assets
-4.7%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
21 d early
2024
42 d early
2023
20 d late
2022
8 d late
2021
30 d late
2020
117 d late
2019
76 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-18k
2024 · €19k
2019: €34k
2020: €208k
2021: €89k
2022: €17k
2023: €10k
2024: €19k
2019 → 2025
Working capital
€377k▼ 4.4%
2024 · €394k
2019: €-47k
2020: €161k
2021: €348k
2022: €364k
2023: €374k
2024: €394k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€350k-€366k▲ 4.7%€377k▲ 2.8%€396k▲ 5.0%€377k▼ 4.6%
Operating result€44k-€24k▼ 46.5%€17k▼ 28.1%€25k▲ 50.1%€-19k
Net result€89k-€17k▼ 81.4%€10k▼ 37.3%€19k▲ 81.7%€-18k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €25k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €388k
Fixed assets
€419▼ 71.6%
Current assets
€387k▼ 5.6%
Equity and liabilities €388k
Equity
€377k▼ 4.6%
Debt
€11k▼ 35.6%
The debt ratio falls from 4.0% to 2.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-18k▼
2024 · €27k
Cash flow
€-17k▼
2024 · €20k
Solvency
97.3%▲
2024 · 96.0%
Current ratio
36.72▲
2024 · 25.06
Quick ratio
36.72▲
2024 · 25.06
Debt / equity
0.03▼
2024 · 0.04
ROE
-4.8%▼
2024 · 4.8%
ROA
-4.7%▼
2024 · 4.6%
Interest coverage
-42.78▼
2024 · 77.24
Debt
€11k▼
2024 · €16k
Debt ≤ 1 year
€11k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€412k€388k▼
Fixed assets21/28€1k€419▼
Tangible fixed assets22/27€1k€419▼
Furniture and vehicles24€1k€419▼
Current assets29/58€410k€387k▼
Amounts receivable within one year40/41€14k€2k▼
Trade receivables40€11k€555▼
Other amounts receivable41€3k€991▼
Current investments50/53-€299k
Cash at bank and in hand54/58€397k€87k▼
Equity and liabilities
Total equity and liabilities10/49€412k€388k▼
Equity10/15€396k€377k▼
Contributions10/11€19k€19k=
Reserves13€343k€343k=
Distributable reserves133€343k€343k=
Profit (loss) carried forward14€34k€16k▼
Amounts payable17/49€16k€11k▼
Amounts payable within one year42/48€16k€11k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€9k€3k▼
Taxes450/3€9k€3k▼
Other amounts payable47/48€5k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€472€1k▲
Gross operating margin9900€27k€-16k▼
Operating profit (loss)9901€25k€-19k▼
Financial income75/76B€2k€947▼
Recurring financial income75€2k€947▼
Financial charges65/66B€343€415▲
Recurring financial charges65€343€415▲
Profit (loss) for the period before taxes9903€27k€-18k▼
Income taxes67/77€8k-
Profit (loss) for the period9904€19k€-18k▼
Profit (loss) for the period to be appropriated9905€19k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€16k▼
Profit (loss) brought forward from the previous period14P€34k€34k=
Transfer to equity691/2€19k-
To other reserves6921€19k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-18k ▼197%
Net result drops to €-18k, the lowest in the series.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 29.30
Current ratio from 7.43 to 29.30; short-term debt falls from €57k to €13k.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 7.43
Current ratio from 3.24 to 7.43; short-term debt falls from €155k to €57k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 3.24
Current ratio from 1.06 to 3.24; short-term debt falls from €2.66M to €155k.
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 117 days late
2020
31-12
Financial
Highest result since 2019net €208k ▲511%
Operating result €306k, net result €208k, both a record.
31-12
Financial
Equity above €200kEq €260k ▲395%
2 profitable years in a row build equity to €260k.
15-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 76 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Henri Lemaître 445000 NamurGround area
557 m²
Building footprint
156 m²
Volume, LiDAR
2,060 m³
2 parcels, Wallonia · tallest building 15.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Pierre-Henri Grandjean notaires associés
since 20182.283.965.166
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0217/00W003 | Wallonia | 337 m² | 1 · 73 m² | 14.5 m · 4 fl. |
| 91034D0023/00P000 ProtectedMonument |
Wallonia | 220 m² | 1 · 84 m² | 15.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Marc WILMUS et Ludovic du BUS de WARNAFFE, notaires associés
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TRIAU & VERWIMP
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AGATHE GENIN NOTAIRE
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Of 2,253 companies in sector 69102 we hold annual accounts for 1,750. 1,344 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2018
Fiscal year end31-12
Activities, NACEBEL
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:pierrehenri.grandjean@notaire.be
Phone:+3282222111